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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,152 | $78,690-83.3% | $161,489-91.9% | $87,485-85.0% |
| Participation rate | 84.8% | 67.5%+17.4pp | 78.7%+6.2pp | 68.9%+15.9pp |
| Annual return | 27.71% | 32.74%-5.0pp | 89.72%-62.0pp | 26.06%+1.7pp |
| Employer contribution / active EE | $424 | $2,588-83.6% | $4,268-90.1% | $2,596-83.7% |
| Participant deferral / active EE | $3,235 | $3,311-2.3% | $5,630-42.5% | $4,274-24.3% |
| Admin fee / account holder | $888 | $6,724-86.8% | $16,006-94.5% | $7,775-88.6% |